The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,628
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,083
−HK$463/mo
Today · 4.125%
HK$15,546
baseline
▲ 0.50% · 4.625%
HK$16,492
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,092/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,274
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,710
−HK$443/mo
Today · 4.125%
HK$17,153
baseline
▲ 0.50% · 4.625%
HK$18,057
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,306/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$555/mo
Today · 4.125%
HK$18,655
baseline
▲ 0.50% · 4.625%
HK$19,790
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,529
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,052
−HK$532/mo
Today · 4.125%
HK$20,584
baseline
▲ 0.50% · 4.625%
HK$21,669
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,168/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,480
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,117
−HK$647/mo
Today · 4.125%
HK$21,764
baseline
▲ 0.50% · 4.625%
HK$23,088
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,528/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,783
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,394
−HK$620/mo
Today · 4.125%
HK$24,014
baseline
▲ 0.50% · 4.625%
HK$25,280
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,028/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,331
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,150
−HK$832/mo
Today · 4.125%
HK$27,982
baseline
▲ 0.50% · 4.625%
HK$29,685
+HK$1,703/mo
Deposit HK$642K · loan HK$5.77M · min. income ≈ HK$55,964/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,293
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,079
−HK$797/mo
Today · 4.125%
HK$30,876
baseline
▲ 0.50% · 4.625%
HK$32,503
+HK$1,627/mo
Deposit HK$642K · loan HK$5.77M · min. income ≈ HK$61,752/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,522 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).